Loans / Mortgages / Lines of Credits

Installment Consumer Loans

Whether you’re looking to get a new vehicle or just want to take that trip you’ve been wanting to, Blue Mountain Credit Union will help with our low loan rates!  Click here to Apply Online!

Based on your good credit, our most favorable rate for newer autos is 1.99%.  This rate is for loans up to three years and autos 2012 and newer.  To qualify for 1.99% the loan cannot already be with BMCU. Rates for cars 2011 and older start at 3.25% (based on creditworthiness, term, age of collateral and mileage).  Call or apply online for a quick pre-approval.  Some terms and conditions might apply.  For installment loans over three years, 2.75% APR is our most favorable rate.  Sales tax and all applicable fees are collected at closing.

If you are considering a new or used boat, motorcycle, ATV or RV, we have competitive rates as low as 5.00%.  Apply online and obtain a purchase order from the dealer of your choice.  Have the dealer fax the purchase order to us at 509-526-4565.   If you are buying from a private party, we will need a bill of sale, a copy of the title and registration (if available).

Lines of Credit

Blue Mountain Credit Union has a great solution if you need a line of credit for unexpected expenses, home improvement or just a vacation.  A great benefit is you can use the line of credit for overdraft protection and avoid possible fees.  You can use a line of credit for overdraft protections with your checking account.  Rates vary based your creditworthiness and on the amount.  Rates start as low as 8.75% APR.

Visa Credit Cards

Quick, convenient and accepted virtually everywhere, Blue Mountain’s Visa® Credit and Debit cards are an easy way to pay for both your everyday expenses, vacations and your big-ticket items.

  • APR as low as 8.75%
  • Share secured Visa to re-establish your credit rating
  • No Annual Fee with qualified checking /draft account
  • Same Fixed APR on purchases, cash advances and balance transfers
  • Zero liability for unauthorized purchases through the Visa® network
  • 25-day interest-free grace period on purchases*
  • Lost or stolen card reporting program
  • 24-hour fraud monitoring from a Credit Card Specialist
  • Security and activation programs to help detect fraud
  • Access to more than 28,000 ATMs worldwide

Click here to open and down load BMCU’s Credit card application and disclosure.

Click here to open BMCU’s Credit card agreement.

Mortgages and Home Equity Lines of Credit

Blue Mountain Credit Union originates mortgages for 1 to 4 family homes.  We can finance properties as far away as Eugene, OR, Mt. Vernon, WA or Boise, ID.  The great news is we keep and service our mortgages here at Blue Mountain Credit Union.  We also have convenient Home Equity Lines of Credit.  We often offer promotional rates as low as 3.625% on HELOCs.  Rates for mortgages and HELOCS change often based on market conditions.  Please call us at 509-526-4562 and ask what our most favorable rates are.  Closing costs are kept to a minimum. Here are two forms to start with: (1) Check list for real estate loans (2)  Residential Application . Print these two forms and call and make an appointment.

Do you have an investment property or looking to purchase a rental?  We also finance rental properties located here in the valley.

We are committed to providing you with a level of personalized service and attention you won’t get at banks or other lenders, and more frequent “yes” answers. As a member-owned, not-for-profit organization, we return our profit to you in the form of superior service and competitive rates!

Contact Blue Mountain Credit Union at 509.526.4562 or click here to Apply Online!